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    Network-based verification and fraud-prevention system
    1.
    发明授权
    Network-based verification and fraud-prevention system 有权
    基于网络的验证和防欺诈系统

    公开(公告)号：US08769133B2

    公开(公告)日：2014-07-01

    申请号：US13046010

    申请日：2011-03-11

    申请人： Blake Earl Hayward

    发明人： Blake Earl Hayward

    IPC分类号： G06F15/16 ,  G06F17/30

    CPC分类号： H04L63/0815 ,  G06F21/41 ,  G06F21/577

    摘要： A system for authentication has an Internet-connected server providing services and software executing on the server from a non-transitory physical medium. The software provides a function for receiving a request for authentication from a person seeking service at the server, a function for requesting by the server one or more username/password pairs used for log-in for the person at one or more Internet sites remote from the server, a function for logging in by the server at the remote site or sites on behalf of the person, using the username/password pair or pairs provided by the person, and a function for authenticating the person at the server for interaction with the server.

    摘要翻译： 用于认证的系统具有互联网连接的服务器，其提供从非暂时物理介质在服务器上执行的服务和软件。 该软件提供用于从服务器上寻求服务的人接收用于认证的请求的功能，用于由服务器请求一个或多个用于登录的一个或多个用户名/密码对的功能，用于在远离 服务器，使用由该人员提供的用户名/密码对或对提供的，由服务器在远程站点或站点上代表该人登录的功能，以及用于在服务器处认证与该人员交互的人的功能 服务器。

    Interactive funds transfer interface
    3.
    发明授权
    Interactive funds transfer interface 有权
    互动资金转账界面

    公开(公告)号：US08224747B2

    公开(公告)日：2012-07-17

    申请号：US12762907

    申请日：2010-04-19

    申请人： Srihari Kumar ,  Suman Kumar Inala ,  Jennifer Scott ,  Blake Earl Hayward ,  Satyen Desai

    发明人： Srihari Kumar ,  Suman Kumar Inala ,  Jennifer Scott ,  Blake Earl Hayward ,  Satyen Desai

    IPC分类号： G06Q40/00

    CPC分类号： G06F9/547 ,  G06F17/30867 ,  G06F17/3089 ,  G06F17/30899 ,  G06F21/41 ,  G06F2221/2119 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q30/0601 ,  G06Q30/0613 ,  H04L67/02 ,  H04L67/28 ,  H04L67/2819 ,  H04L67/2838

    摘要： In a software suite for enabling viewing and manipulation of data through a single portal accessible from a data-packet-network, a software interface for enabling proxy transfer of funds from one financial account to another is provided. The software interface comprises, an interactive main window for configuring transfer funds orders, viewing pending transfers, viewing transaction history, and viewing active account balances related to registered financial accounts, an interactive selection window accessible through the main interface, the selection window for enabling selection of individual accounts for grouping into a list of activated accounts and an automated confirmation window enabling confirmation of data parameters of a requested funds transfer. A user operating the main interface may initiate funds transfer orders to be performed between accounts at requested times by proxy in a fashion transparent at the time of execution to the requesting user.

    摘要翻译： 在用于通过数据分组网络可访问的单个门户查看和操纵数据的软件套件中，提供了用于使资金从一个金融账户转移到另一个的代理转移的软件界面。 该软件界面包括用于配置传输资金订单，查看未决转移，查看交易历史以及查看与注册金融账户有关的活动账户余额的交互式主窗口，可通过主界面访问的交互式选择窗口，用于启用选择的选择窗口 将个人帐户分组成激活帐户列表以及自动确认窗口，以确认所请求资金转账的数据参数。 操作主界面的用户可以通过代理以所请求的时间在帐户之间执行资金转移订单，以便在执行时向请求用户透明。

    Portfolio Synchronizing Between Different Interfaces
    5.
    发明申请
    Portfolio Synchronizing Between Different Interfaces 有权
    不同接口之间的组合同步

    公开(公告)号：US20110282782A1

    公开(公告)日：2011-11-17

    申请号：US13188796

    申请日：2011-07-22

    申请人： Srihari Kumar ,  Satyen Desai ,  John Kelley ,  Blake Earl Hayward ,  Jennifer Green Scott ,  Senthil Kumar Pandurangan

    发明人： Srihari Kumar ,  Satyen Desai ,  John Kelley ,  Blake Earl Hayward ,  Jennifer Green Scott ,  Senthil Kumar Pandurangan

    IPC分类号： G06Q40/00

    CPC分类号： G06F17/30899 ,  G06F17/30867 ,  G06F17/3089 ,  G06F21/41 ,  G06F2221/2119 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/06 ,  H04L67/02 ,  H04L67/28 ,  H04L67/2838

    摘要： An account coordination system includes an Internet-connected server executing software from a non-transitory, machine-readable medium. The software provides direct linking between the server and two or more financial enterprises hosting each at least one financial account for a specific user and having an interactive interface through which the user may interact with his/her account, direct linking between the server and one or more third-party enterprises providing interactive interfaces through which the user may access and interact with one or more of the financial accounts at the financial enterprises, and tracking functionality whereby the server tracks activity by the user at any of the interactive interfaces through which the user may interact with one of the financial accounts. The server propagates any change made in an account by the user at any one of the interactive interfaces to the sites hosting the other interactive interfaces.

    摘要翻译： 帐户协调系统包括从非暂时的机器可读介质执行软件的因特网连接的服务器。 该软件提供服务器与托管每个至少一个特定用户的金融帐户的两个或多个金融企业之间的直接链接，并且具有用户可以通过该互动界面与他/她的帐户交互的交互界面，直接链接服务器与一个或多个 更多的第三方企业提供交互式界面，用户可以通过该交互界面访问和与金融企业的一个或多个财务帐户进行交互，并跟踪服务器跟踪用户在用户通过哪些交互界面进行的活动 可以与其中一个财务账户进行交互。 服务器将用户在任何一个交互界面的帐户中进行的任何更改传播到托管其他交互式界面的站点。

    Interactive bill payment center
    6.
    发明授权
    Interactive bill payment center 有权
    互动票据支付中心

    公开(公告)号：US07933834B2

    公开(公告)日：2011-04-26

    申请号：US12501733

    申请日：2009-07-13

    申请人： Srihari Kumar ,  Satyen Desai ,  John Kelley ,  Blake Earl Hayward ,  Jennifer Green Scott ,  Senthil Kumar Pandurangan

    发明人： Srihari Kumar ,  Satyen Desai ,  John Kelley ,  Blake Earl Hayward ,  Jennifer Green Scott ,  Senthil Kumar Pandurangan

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/108 ,  G06F17/30867 ,  G06F17/3089 ,  G06F17/30899 ,  G06F21/41 ,  G06F2221/2119 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/12 ,  H04L67/02 ,  H04L67/28 ,  H04L67/2838

    摘要： A software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on a data-packet-network is provided. A bill-payment module is provided within the software suite and comprises, an interactive main interface accessible from the module for listing the bills due and payment accounts, an interactive history link embedded in the main interface for providing access to a secondary interface for viewing bill history, an interactive set-up link embedded in the main interface for providing access to a secondary interface for configuring recurring payments, an interactive transfer-funds link embedded in the main interface for providing access to a secondary interface for enabling automated transfer of funds between registered accounts, an interactive calendar link embedded in the main interface for providing access to a secondary interface for viewing calendar data, a plurality of interactive drop-down menus, each menu associated with a listed bill, the menus providing upon invocation a plurality of selectable, interactive options for treating the listed bill and an interactive refresh-all link embedded in the main interface for enabling selective or complete data refreshing of data displayed in the interface. A user operating the main interface from a remote node having access to the data-packet-network may view all aggregated bills and initiate treatment of such bills according to selected interactive options. The treatment is ordered by the operating user and performed by proxy by a service entity hosting the interface.

    摘要翻译： 提供了一种用于使得能够查看和操纵从多个数据源编译并可通过在数据分组网络上操作的单个接口节点访问的多类聚合数据的软件套件。 在软件套件内提供了一个帐单支付模块，包括一个交互式主界面，可从该模块访问以列出账单和支付账户;嵌入在主界面中的交互历史链接，用于提供访问次级界面以查看账单 历史，嵌入在主界面中的交互式设置链接，用于提供对辅助界面的访问以配置定期付款;嵌入在主界面中的交互式转移资金链接，用于提供对辅助接口的访问，以使得能够在 嵌入在主界面中的用于提供用于查看日历数据的辅助界面的交互式日历链接，多个交互式下拉菜单，与列出的帐单相关联的每个菜单，所述菜单在调用时提供多个可选择的 ，用于处理列出的帐单的交互式选项和交互式刷新全部链接e 在主界面中嵌入，使界面中显示的数据能够进行选择性或完整的数据刷新。 从具有访问数据分组网络的远程节点操作主接口的用户可以查看所有汇总的账单，并根据所选择的交互选项开始处理这些账单。 治疗由操作用户排序，并由托管接口的服务实体由代理执行。

    Interactive Funds Transfer Interface
    7.
    发明申请
    Interactive Funds Transfer Interface 有权
    互动资金转移接口

    公开(公告)号：US20100205065A1

    公开(公告)日：2010-08-12

    申请号：US12762907

    申请日：2010-04-19

    申请人： Srihari Kumar ,  Suman Kumar Inala ,  Jennifer Green Scott ,  Blake Earl Hayward ,  Satyen Desai

    发明人： Srihari Kumar ,  Suman Kumar Inala ,  Jennifer Green Scott ,  Blake Earl Hayward ,  Satyen Desai

    IPC分类号： G06Q20/00 ,  G06Q40/00 ,  G06Q30/00 ,  G06F3/01

    CPC分类号： G06F9/547 ,  G06F17/30867 ,  G06F17/3089 ,  G06F17/30899 ,  G06F21/41 ,  G06F2221/2119 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q30/0601 ,  G06Q30/0613 ,  H04L67/02 ,  H04L67/28 ,  H04L67/2819 ,  H04L67/2838

    摘要： In a software suite for enabling viewing and manipulation of data through a single portal accessible from a data-packet-network, a software interface for enabling proxy transfer of funds from one financial account to another is provided. The software interface comprises, an interactive main window for configuring transfer funds orders, viewing pending transfers, viewing transaction history, and viewing active account balances related to registered financial accounts, an interactive selection window accessible through the main interface, the selection window for enabling selection of individual accounts for grouping into a list of activated accounts and an automated confirmation window enabling confirmation of data parameters of a requested funds transfer. A user operating the main interface may initiate funds transfer orders to be performed between accounts at requested times by proxy in a fashion transparent at the time of execution to the requesting user.

    摘要翻译： 在用于通过数据分组网络可访问的单个门户查看和操纵数据的软件套件中，提供了用于使资金从一个金融账户转移到另一个的代理转移的软件界面。 该软件界面包括用于配置传输资金订单，查看未决转移，查看交易历史以及查看与注册金融账户有关的活动账户余额的交互式主窗口，可通过主界面访问的交互式选择窗口，用于启用选择的选择窗口 将个人帐户分组成激活帐户列表以及自动确认窗口，以确认所请求资金转账的数据参数。 操作主界面的用户可以通过代理以所请求的时间在帐户之间执行资金转移订单，以便在执行时向请求用户透明。

    Portfolio synchronizing between different interfaces
    9.
    发明授权
    Portfolio synchronizing between different interfaces 有权
    不同界面之间的投资组合同步

    公开(公告)号：US07991673B2

    公开(公告)日：2011-08-02

    申请号：US12621225

    申请日：2009-11-18

    申请人： Srihari Kumar ,  Satyen Desai ,  John Kelley ,  Blake Earl Hayward ,  Jennifer Green Scott ,  Senthil Kumar Pandurangan

    发明人： Srihari Kumar ,  Satyen Desai ,  John Kelley ,  Blake Earl Hayward ,  Jennifer Green Scott ,  Senthil Kumar Pandurangan

    IPC分类号： G06Q40/00

    CPC分类号： G06F17/30899 ,  G06F17/30867 ,  G06F17/3089 ,  G06F21/41 ,  G06F2221/2119 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/06 ,  H04L67/02 ,  H04L67/28 ,  H04L67/2838

    摘要： A system for updating parameters of financial transactions associated with financial services initiated and completed on behalf of or directly by a user through access to a data-packet-network into more than one electronic interface accessible to the user is provided. The system comprises, a main electronic interface supported by back-end software, the main interface for registering all user accounts into at least one portfolio group, the accounts accessible in detail through the main interface, at least one cobranded electronic interface supported by back-end software, the cobranded interface mirroring the accounts registered in the main electronic interface and a plurality of institution-specific electronic interfaces for providing direct account registration, reporting, and maintenance specific to accounts provided by the associated institutions. Through direct linking between the main, cobranded, and institution-specific interfaces, any parameters associated with any action initiated to a specific account through any of the interfaces is immediately propagated to the other interfaces.

    摘要翻译： 提供了一种用于通过将数据分组网络访问到用户可访问的多于一个电子接口来代替或直接由用户发起和完成的与金融服务相关联的金融交易参数的系统。 该系统包括由后端软件支持的主电子接口，用于将所有用户账户注册到至少一个投资组合中的主界面，通过主界面可以详细访问的账户，至少一个由后端软件支持的支配电子接口， 终端软件，镜像在主电子界面中登记的帐户的多个专用接口和多个机构专用电子接口，用于提供特定于相关机构提供的账户的直接账户注册，报告和维护。 通过直接链接主要的，分散的和机构的接口，任何与通过任何接口发起到特定帐户的动作相关联的参数都将立即传播到其他接口。

    Interactive bill payment center
    10.
    发明授权
    Interactive bill payment center 有权
    互动票据支付中心

    公开(公告)号：US07937325B2

    公开(公告)日：2011-05-03

    申请号：US09785929

    申请日：2001-02-16

    申请人： Srihari Kumar ,  Satyen Desai ,  John Kelley ,  Blake Earl Hayward ,  Jennifer Green Scott ,  Senthil Kumar Pandurangan

    发明人： Srihari Kumar ,  Satyen Desai ,  John Kelley ,  Blake Earl Hayward ,  Jennifer Green Scott ,  Senthil Kumar Pandurangan

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/108 ,  G06F17/30867 ,  G06F17/3089 ,  G06F17/30899 ,  G06F21/41 ,  G06F2221/2119 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/12 ,  H04L67/02 ,  H04L67/28 ,  H04L67/2838

    摘要： A server on a data network including software for providing a bill payment service for a user comprising a bill-payment module for navigating to the user's multiple data sources on the data network collecting and aggregating data on behalf of the user comprising, a main interface for listing the bills due and payment accounts of the user, a plurality of links enabling viewing and manipulation of bill history, recurring payments, and automated transfer of funds between registered accounts and a link for viewing calendar data. The system further provides a plurality of drop-down menus wherein each menu is associated with a listed bill, the menus providing a plurality of selectable, interactive options for viewing, managing and paying a bill and a link embedded in the main interface for enabling selective or complete data refreshing of data displayed in the interface.

    摘要翻译： 一种数据网络上的服务器，包括用于为用户提供账单支付服务的软件，其包括用于导航到数据网络上的用户的多个数据源的账单支付模块，用于代表用户收集和聚集数据，包括：主界面 列出用户的账单到期和支付帐户，多个链接，使得能够观看和操纵账单历史，定期支付，以及在注册账户与用于查看日历数据的链接之间的资金的自动转账。 该系统还提供多个下拉菜单，其中每个菜单与列出的纸币相关联，菜单提供多个可选择的交互式选项，用于查看，管理和支付纸币以及嵌入在主界面中的链接，以使选择性 或完成数据刷新界面中显示的数据。